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Habitat for Humanity of Dane County Homeownership Program

Habitat for Humanity of Dane County · Madison, Wisconsin

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Income limit

60% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Dane County Homeownership Program?

Habitat for Humanity of Dane County Homeownership Program is down payment assistance for homebuyers in Madison, Wisconsin, administered by Habitat for Humanity of Dane County.

  • Affordable homeownership program selling Habitat-built/renovated homes to qualified low-income Dane County families via a 25-30 year, low- to no-interest mortgage with no profit charged. Families typically fall between 30% and 60% of Dane County median household income and complete 275-425 hours of sweat equity.
  • Habitat-built home sold at no profit with a 25-30 year, 0%/low-interest mortgage; payment kept affordable.
  • Funding comes from Habitat for Humanity of Dane County (nonprofit).

Do you have to pay it back?

Habitat for Humanity of Dane County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Dane County.

  • The assistance is recorded in first position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity of Dane County Homeownership Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: Established credit with a minimum score of 620 and three years positive, verifiable housing history.
  • A completed homebuyer education course, through Habitat homebuyer education (part of program).
  • Residency: Must reside in Dane County for 12 months prior to applying.
  • Citizenship or immigration status: U.S. Citizenship or Permanent Resident Alien status required.
  • Requires 275-425 hours sweat equity and criminal background clearance. Habitat affordable-mortgage program (assistance_type 'other'). UNCONFIRMED: exact income limit dollar amounts, down payment amount, max DTI, max purchase price.

The program excludes

  • Households above 60% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Habitat for Humanity of Dane County Homeownership Program limits household income to 60% of the area median income, which varies by county and household size.

  • Partner families typically fall between 30% and 60% of Dane County median household income.
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Habitat for Humanity of Dane County Homeownership Program can be used for single_family.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity of Dane County Homeownership Program serves buyers purchasing in Madison, Wisconsin.

  • Targeted neighborhoods: Dane County.

How do you apply?

Applications for Habitat for Humanity of Dane County Homeownership Program go through Habitat for Humanity of Dane County, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Habitat homebuyer education (part of program)..

  2. Contact Habitat for Humanity of Dane County to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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